Stamp duty on a $400,000 house in ACT
Australian Capital Territory · transfer duty
Transfer duty on a $400,000 property in Australian Capital Territory at the standard rate. Verified 16 July 2026, source: ACT Revenue Office.
First home buyer: $0
A $400,000 value falls in the $300,001 to $500,000 band, where duty is $1,608 + $3.40 per $100 over $300,000 — $5,008 in total.
Stamp duty calculator
ACT- Standard (general) duty
- $5,008
ACT figures from ACT Revenue Office. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $400,000 in ACT →
What a first home buyer or owner-occupier pays
From 1 July 2026 the HBCS income test and the property value limit were both removed: eligible buyers pay no conveyance duty at any price. Eligibility: every buyer is an individual 18 or over, no buyer (or their partner) has owned property in the last 5 years, and you live in the home for at least a year. A first home buyer meets the prior-property rule by definition. First home buyer duty in ACT →
Deposit, loan and repayments at $400,000
| Deposit | Deposit amount | Loan | Approx. monthly | Indicative LMI |
|---|---|---|---|---|
| 20% (no LMI) | $80,000 | $320,000 | $1,918.56 | $0 |
| 10% | $40,000 | $360,000 | $2,158.38 | $5,328 |
Repayments assume 6% p.a. over 30 years; LMI is an indicative estimate. Adjust the rate and term →
The same price in other states
| State | Duty on $400,000 | |
|---|---|---|
| Australian Capital Territory | $5,008 | |
| New South Wales | $12,187 | view |
| Victoria | $19,070 | view |
| Queensland | $12,425 | view |
Compare all eight states side by side →
ACT transfer duty schedule
| Dutiable value | Duty payable |
|---|---|
| Up to $260,000 | $0.28 per $100 |
| $260,001 to $300,000 | $728 + $2.20 per $100 over $260,000 |
| $300,001 to $500,000 | $1,608 + $3.40 per $100 over $300,000 |
| $500,001 to $750,000 | $8,408 + $4.32 per $100 over $500,000 |
| $750,001 to $1,000,000 | $19,208 + $5.90 per $100 over $750,000 |
| $1,000,001 to $1,455,000 | $33,958 + $6.40 per $100 over $1,000,000 |
| Over $1,455,000 | $4.54 per $100 of the total value |
Nearby prices in ACT
Common questions
- How much is stamp duty on a $400,000 property in Australian Capital Territory?
- Transfer duty is $5,008 at the ACT general rate for a $400,000 property, calculated from the ACT Revenue Office schedule. As a first home buyer, this purchase is exempt — you would pay $0.
- Is stamp duty paid on top of the purchase price?
- Yes. The $5,008 duty is separate from the $400,000 price and is normally paid at settlement. On a 20% deposit of $80,000, budget for the duty as an additional upfront cost.
- What deposit and loan do I need for a $400,000 home?
- A 20% deposit is $80,000, leaving a $320,000 loan (about $1,918.56 a month at 6% over 30 years, no LMI). With a 10% deposit of $40,000 the loan is $360,000 and indicative LMI is around $5,328.
- Do foreign buyers pay extra duty in Australian Capital Territory?
- Foreign purchasers usually pay an additional surcharge on top of transfer duty. It is charged separately from the $5,008 owner-occupier figure — confirm the current surcharge rate with ACT Revenue Office.